Super top up policy provides additional coverage over and above your existing base policy. It is cost-effective owing to the fact that it kicks in once your medical bills cross the coverage limit of your base policy.
Example:
You own a Base policy of ₹3 lac and a super top-up of ₹20 lac with a deductible of ₹3 lac.
If you get hospitalized and the bill comes up as ₹4 lac. The insurer will pay 3 lac from your base policy and then the remaining 1 lac will come from your super top-up policy.
Health Protect offers super top-up of 7lac, 10lac, 20lac, 30lac, 50lac with a deductible of 3/5 lac. Check the premium here.
